МЕТОДОЛОГИЧЕСКИЕ ПОДХОДЫ К РЕШЕНИЮ ПРОБЛЕМЫ ГАРАНТИРОВАНИЯ БАНКОВСКИХ ВКЛАДОВ

Abstract

In world banking practice it is considered that it is better to solve the problem of one bank, rather than arouse the mass impressment of deposits, generating the effect of spreading the disease onto the other credit institutions. In our conditions the process of spreading was specifically reflected in flowing the financial resources of people out of the commercial banks into Sberbank, that shortened drawn resources of other banks, lowed their financial steadiness. The decision of this problem demands conducting aim-oriented policy on the safe-keeping of funds of individuals and organizations in all commercial banks. In other words, the system of deposits insurance is needed, which is based on the necessary participation of all banks and credit organizations, drawing money resources into deposits. But the legislation we have nowadays does not allow to provide in full measure the demanded guarantees to depositors, to form real mechanism of bank liquidity crisis and mass impressments of financial resources by the depositors prevention in case of negative economic market or bankruptcy.